저자: RayDalio—인터뷰어LewisHowes · 외국인
요약 보기
결론: 투자 전 생활비 기반과 유동성 확보가 우선이며, 특정 자산 예측보다 분산투자와 겸손한 태도가 핵심이다. 재정 기초: 생활비 몇 일·몇 주·몇 개월·몇 년분을 유동자산으로 먼저 계산하고, 필요액보다 여유 있게 잡으라고 조언. 유동성과 주거: 자산을 유동자산과 비유동자산(주택 등)으로 구분해야 하며, 주택은 강제저축 효과와 사용 만족이 있으나 실직 시 유동성 위험이 있다고 설명. 임대 vs 매수는 단순 답이 없다고 봄. 본인 경험: 12세에 캐디로 번 돈을 주식에 투자해 5달러 미만 기업을 매수했다가 인수로 3배가 된 경험을 소개하며, 쉬운 돈에 대한 경계를 말함. 기부와 지식 전달: 부유한 사람이 줄 수 있는 가장 큰 선물은 돈보다 생산 능력(지식과 판단력)이라고 주장하고, 원칙을 책으로 정리해 전달하는 중이라고 밝힘. 생활 기본: 지출이 수입을 넘지 않는 순수익(net positive) 상태를 만드는 것이 가장 기본이며, 그 다음 무엇에 투자할지 고민하라고 조언. 흔한 실수: 과거에 많이 오른 자산이 좋은 투자라고 믿는 것, 인기 자산을 쫓는 것이 가장 흔한 실수. 비싸진 시장은 스마트머니 경쟁으로 성과가 줄어드는 경향. 분산투자: 자산 간 상관이 낮으면 수익을 줄이지 않고 위험을 낮출 수 있으며, 어떤 투자가 더 나은지 맞히기는 매우 어려운 경쟁 게임이라고 강조. 리스크: 전문가도 종목 우열을 안정적으로 맞히기 어렵고, 연구에 막대한 비용을 쓰는 기관과 경쟁해야 함. 출연자 전망: 특정 대상 자산(삼성전자, 비트코인, 금 등)에 대한 1~3개월 가격 방향 예측 발언은 없음.
다듬은 글
what have you found are the top places that people should be investing well i think first you you start with what are the most important things that you're closest to like is it your business first calculate how many days weeks months or years you can live on your saving because when you do that you'll start to you'll gain security you'll gain that okay so look at how much you're spending okay and then say how much do i need and whatever that number is you're going to need more than that because it may go down rather than go up so okay now do i have a year's spending okay so i think i think you you start there then you start to think um what are the things that are most important for me like and then you start with your your business or your residents that have a symbiotic relationship and that you know well let's say if you start with your business okay you're closer to that investing in yourself with whatever that may end up being that may be your best investment not not real estate not stocks not the market well it depends if you're if you're not you know if you're doing something where you can do it yourself and that's the thing but if you're in a job and and that that's not the thing right because you because you're in a different position okay but anyway if you and then i i really think there's something good about your home a basic thing about your home because uh it's nice forced savings and it also means that you you fix it up you you know you're saving you find out there's oh well if i add this thing or that thing and you're enjoying it so when you're enjoying it and you're controlling it and it's yours and so on uh that's that's pretty good and if you know if they keep mortgage tax deductions and so on you know there might be some benefits to it also okay but that's not a black and white answer you know so you could take a short pencil and say is it better to rent or buy okay that's a different question maybe i said but by and large am i going to move you know all of those other questions but so when you start with okay what is it that's close to home and how much you need a certain amount that's liquid in other words you got it in your house you got to make a mortgage payment or something and all of a sudden you're uh you know you know it's not liquid and you lose your job well that can cause you trouble so how much do i have that's liquid how much do i have that's not liquid okay and you start to get those things right okay ah i've got enough liquid i got enough okay not liquid and those other things okay pretty soon you're you're getting yourself in good shape yeah you do those things you know you're pretty much in good shape and then you're also having some experiences and then you go beyond that you know and then so you start to okay what you know okay what's a stock what's a bond and then you know you learn from experiences i learned through my my experiences i started when i was a kid 12 i used to caddy and i took my caddying money and i put it in the stock market and i was lucky what happened to me by by the way is i took my catting money and um i bought the only company that i ever heard of that was selling for less than five dollars a share and i thought that that you know well i i was really dumb i thought um i'll buy more shares so if it goes up i'll make more money uh and it was the only company it was a company that was about to go broke but somebody some other company acquired it and it tripled and i thought ah there's an easy game and i like it easy money so but you know you experiment and you learn you're a very philanthropic individual you and your wife your foundation your company you give back in a lot of ways some might be through donations like computers some might be through financial some might be through just your work and your content on linkedin which is amazing i recommend everyone subscribe to on linkedin the content there is amazing you're giving back in lots of ways i'm curious what's the greatest gift a rich person or someone with money can give someone who doesn't have money to give the knowledge uh teach a man how to fish is better than to give them a fish i mean i think you can give them both you can give education and you can show but ability the the capacity to be productive because you know if i can give you the capacity to go out in the world it's like go into a jungle i give you a knife and can you live in the jungle okay if i give you that capacity that's the best thing i can give you that's why i wrote the book and you know pass it on i wrote those principles over years and i wrote them down and that's what i want to pass along that's the most important thing yeah but but if you but if you've got money you can help people uh a lot in a lot of different ways which is thrilling what would you say then are the three greatest skills that people that aren't financially abundant or that are struggling financially should learn to master in order to be in a better position financially three skills what would you say they should learn well as i said before i remember watching the movie i was young david copperfield with w.c fields and he speaks to david copperfield and he says he said something like and i'll put it in dollar terms you're in a hundred dollars and you spend 105 dollars that's misery if you earn a hundred dollars and you spend 95 dollars you'll have a good life i mean and what wasn't exactly like that but it was but but basically i know so many people who don't earn much but are there because if you start to think about what it is that it costs you to live in terms of let's say the basics you know uh give me a bed to sleep and give me the food let me be educated and so on so forth i think most people can get themselves in a position where you know they're net positive so if you can be net positive and you could do that that you know that's number one i you know as i carry that so that's you know that's number one then i guess it was the list that we went to you know the second is you know what do you do next in terms of what do you need what do you invest in you know and then and then you know going beyond it and then they're avoid the following mistake the most common mistake of investing thinking that the investment that did good is a good investment people rather more expensive the things that quite often those markets that did really really well became more more expensive and everybody smart money is all the time compete comparing them and competing so what happens is um the naive money buys the thing that was hot or is hot the thing that has been terrible which might be the thing that's beaten down so i would say also an important element okay so here's another one that's really important diversify so don't put all your eggs in one basket right because what i learned about this is that first of all all investments uh compete and it's not easy to sell tell whether one investment is better than the other because if people could do that life would be easy and everybody make a ton of money um so and this is a competitive game that's very difficult to compete in so it's very difficult to say which one's better or worse you could take experts and you could and do all sorts of tests and you'll find out that they can pick that and you can't tell whether the worst ones are going to be better so because of that you understand that um even picking the best ones is difficult and particularly if you're naive like we spend hundreds of millions of dollars each year on research to try to give us an edge okay now you've got to compete with us so uh competing in the markets is more difficult than competing in the olympics you wouldn't go think i'm going to compete in the olympics but there are more people who try harder in order to do that so it's a zero-sum game so but diversification um that they're different uh will reduce your risk without uh reducing your return yeah so if you know how to diversify well so um that's critical so i would say again uh get get your savings right and the reasons i say i would say have great humility about what you what you don't know don't buy the thing that was hot just because you think it's hot um and then know how to diversify well if you're looking for more greatness in your life make sure to check out this video right here and also check out our free pdf the three secrets to unlock the power of your mind to help you change your life download it right here the investment has to be indestructible so i'm indestructible right i can invest in me
Comments 0